Terms and Conditions

Please read these terms and conditions carefully

When you use this website you are agreeing to and accepting these terms and conditions and any other terms and conditions posted on this website by Sikamaster Loans from time to time. We may change these terms and conditions at any time, simply by updating this page. You should therefore check these terms and conditions regularly, as we will consider that your use of the site after any changes means that you accept the new terms and conditions.

These terms and conditions only cover your use of the site. Our products have their own terms and conditions, and you should read those if you are interested in any product. If the product terms and conditions are different from the site terms it is the product ones that apply.

 

Use of this website

The information on this site is written for Ghana residents.

 

Copyright and trade marks

Sikamaster Loans does not give you any right or interest in any copyright or other intellectual property rights in any materials made available through this website. You may download or copy extracts for your personal use, but not for any other purpose, nor do you have the right to alter anything.

The copyright and related rights in this website and all the underlying or related software, materials and pages relating to this website is owned by, or licensed to, Sikamaster Loans and may not be used, copied or altered without our express consent. Copyright extends to the design and layout of the website, all text, html code, metadata, and photographs on it and its related marketing materials.

 

Availability

We try to make sure that the site is available all the time. However, we do not undertake that the performance of the website will be uninterrupted or error free or that any defects will be corrected. We are not liable for the site being unavailable, however long it might be out of action. Consequently, we will not be liable for any loss or damage arising in contract, tort, negligence or otherwise if the website becomes unavailable or is suspended for any reason.

 

Viruses

Although we endeavour to ensure that the website is virus-free, we cannot warrant to you that the website will remain free from viruses and, therefore, we will not be responsible for any technical problems arising from the use of this website.

 

Offer and advice

The services provided on this website do not constitute an offer to sell any of our products; neither does the information constitute financial, investment, tax or other professional advice.

 

Linking

Websites to which this website is linked have not been reviewed by Sikamaster Loans. We accept no responsibility for the content of such websites. You may not frame, link or deep-link this website to any other website without our prior written consent.

 

Disclaimer

This website may contain information, text, data, graphics, photographs, illustrations, artwork, names, logos and information about Sikamaster Loans and on the products and services it provides (the ‘information’).

The website and information is provided ‘as is’ and on an ‘as available’ basis only, and Sikamaster Loans does not guarantee the accuracy, timeliness, completeness, performance or fitness for a particular purpose of the website or any of the information.

No responsibility is accepted by or on behalf of Sikamaster Loans for any errors, omissions, or inaccuracies in the information on the website

Although Sikamaster Loans attempts to ensure that the information contained in this website is accurate and up-to-date, we accept no liability for the results of any action taken on the basis of the information it contains and all implied warranties, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these terms and conditions to the extent that they may be excluded as a matter of law. We do not attempt to exclude any rights you may have that we cannot exclude as a matter of law.

Except in respect of death or personal injury resulting from our negligence or in respect of fraud, none of Sikamaster Loans, its directors, employees or other representatives will be liable for any loss or damage you suffer including, without limitation, indirect or consequential loss or damage, loss of revenue or profit (whether direct or indirect) or any loss or damage arising from loss of use or data, whether in contract, tort, negligence or otherwise, arising out of or in connection with the use of this website. However, this will not limit our responsibility for complying with any duty or liability which we have towards our customers under the regulatory system.

 

Data protection

When you use this website and/or if you apply for products or services on our website, we will obtain some of your personal information; please refer to our privacy policy to understand how we will process, use and store your personal information.

 

Applicable law and jurisdiction

Use of this website and these terms and conditions are subject to the laws of the Republic of Ghana and the jurisdiction of the Ghanaian Courts. By using this website you irrevocably submit to the jurisdiction of the Ghanaian Courts.

 

About us

Sikamaster Loans is a trading name of SM Financial Limited. SM Financial Limited is a wholly owned subsidiary of The DCANS Group.

If you have a complaint about any aspect of our services please contact us on: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

LOAN TERMS AND CONDITIONS

 

Regulatory Compliance

 

Sikamaster (SML), is a 24/7*365 well-capitalised internet first, forward-thinking, safe, robust, resilient, smart & responsible direct lender for the working class (we don't lend to the unemployed). SML is not; a microfinance institution, and neither a savings & loans company or a Specialised Deposit-taking Institution (SDI) of any form, kind or type. SML does not seek and/or accept outside capital. SML does not charge any upfront fees before lending.

The Bank of Ghana (BoG) does not regulate some forms of no upfront fee non-deposit taking financial services, buy to lets, seller financing, commercial mortgages, secured loans, unsecured loans, earned wage access or workplace loan schemes, buy now pay later products, bridging loans, trusts, overseas mortgages, and conveyancing or debt management.

Our loans are strictly for existing customers of The TDG Ecosystem (including employees of existing business customers of GhanaStartups.org, existing tenants of RentNowPayLater.net and all Private-Sector Salaried Workers recruited via TDG Jobs Ghana platform). Our Home Mortgages can only be used to buy from or through DCANS Properties.

All Business Loans have been moved to GhanaStartups.org (a sister company). GhanaStartups.org provides loans to all kinds of businesses, be it large or small and not necessarily startups alone. All Construction Loans have been moved to Build Now Pay Later. All Auto Loans have been moved to Glostar Motors.

All Buy Now Pay Later (BNPL) Loans (incl interest-free and interest-bearing) have been moved to DCANS Pay (a sister company).

We're Social